RMD Calculator
Once you reach the required age, the IRS makes you withdraw a minimum amount from tax-deferred retirement accounts each year. Slide your age and account balance to see this years required minimum distribution. Knowing it early helps you plan withdrawals and the taxes that follow.
At age 75, your Required Minimum Distribution is $20,325 (balance ÷ 24.6), about 4.1% of the account.
Worked examples
Real results from this calculator, computed for a few common scenarios. Move the sliders above to run your own numbers.
| Your age = 68 | RMDs begin at age 73. At $500,000, your first RMD (age 73) would be about $18,868. |
| Your age = 80 | At age 80, your Required Minimum Distribution is $24,752 (balance ÷ 20.2), about 5.0% of the account. |
| Your age = 92 | At age 92, your Required Minimum Distribution is $46,296 (balance ÷ 10.8), about 9.3% of the account. |
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How this math works
We use the IRS Uniform Lifetime Table, which assigns a life-expectancy factor to each age. Your required minimum distribution is your account balance divided by that factor, so as the factor shrinks with age, the required percentage rises.
Required minimum distributions begin at age 73 under current rules. Taking them on time matters, because falling short can trigger a steep IRS penalty on the amount you failed to withdraw.
Common questions
When do RMDs start?
Under current rules, required minimum distributions begin at age 73. The exact first-year deadline has some flexibility, so confirm the timing for your situation.
Which table does this use?
It uses the standard IRS Uniform Lifetime Table that applies to most account holders. It does not use the joint table for a sole spouse beneficiary who is more than ten years younger, which produces a smaller RMD.
What if I skip an RMD?
Missing a required minimum distribution can lead to a significant IRS penalty on the shortfall. Taking at least the required amount on time avoids that cost.
Put this calculator on your website
Bloggers, teachers, credit unions, HR teams: embed the live RMD Calculator free. Copy the snippet below — the tool keeps working and stays up to date automatically, no maintenance on your side.
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